Marion Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 8.16 percentage points in Q2 2026, from 217.19% to 209.03%. It was the largest change from Q1 2026 among the key lines here. Marion Community Bank ranks 41st of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 72.08% (Q2 2026). Marion Community Bank reported 72.08% on loan-to-deposit ratio for Q2 2026, 8.75 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $235.1M |
| Net loans and leases | $231.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.56% |
| Loan-to-deposit ratio | 72.08% |
| Net loans to equity capital | 9.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.39% |
| Multifamily (5+ residential) | 1.76% |
| Commercial and industrial | 16.65% |
| Consumer | 4.24% |
| Credit cards | 0.00% |
| Farm | 3.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.03% |
| Construction concentration (Tier 1 capital + allowance) | 76.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $4.1M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $180.4M | $304.8M | 31.41% | 23.05% | 3.58% |
| Q4 2023 | $176.9M | $302.4M | 32.16% | 22.99% | 3.68% |
| Q1 2024 | $181.7M | $299.5M | 32.10% | 20.53% | 3.52% |
| Q2 2024 | $192.0M | $313.2M | 36.86% | 17.05% | 3.59% |
| Q3 2024 | $195.4M | $323.1M | 34.02% | 19.00% | 3.62% |
| Q4 2024 | $195.3M | $318.8M | 34.59% | 19.08% | 4.39% |
| Q1 2025 | $201.5M | $312.3M | 33.34% | 18.96% | 4.34% |
| Q2 2025 | $205.6M | $317.4M | 36.78% | 15.11% | 4.34% |
| Q3 2025 | $222.7M | $319.3M | 36.56% | 15.94% | 4.42% |
| Q4 2025 | $221.5M | $319.6M | 37.81% | 17.39% | 4.92% |
| Q1 2026 | $222.5M | $319.6M | 40.14% | 15.03% | 4.32% |
| Q2 2026 | $235.1M | $326.2M | 38.39% | 16.65% | 4.24% |
Marion Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marion Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Marion Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14184) · FFIEC NIC profile (RSSD 449832)